CN111027797A - Credit evaluation device, credit evaluation method, and computer-readable recording medium - Google Patents
Credit evaluation device, credit evaluation method, and computer-readable recording medium Download PDFInfo
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Abstract
The invention provides a credit evaluation device, a credit evaluation method and a computer readable recording medium for more appropriately evaluating credit of a user using a structure in a service using the structure. The credit evaluation device evaluates the credit of a user using a service provided by a communicable structure, and includes: an information acquisition unit that acquires structure information relating to a structure during and after use of a service by a user, and third person evaluation information including an evaluation about the structure performed by a third person other than the user after use of the service by the user; and a credit calculation unit that calculates the credit of the user based on at least one of the information related to the structure and the third person evaluation information, and evaluates the user.
Description
Technical Field
The present invention relates to a credit evaluation device, a credit evaluation method, and a program.
Background
Prior art documents
Patent document
Patent document 1: japanese patent laid-open No. 2012-164210
Disclosure of Invention
Problems to be solved by the invention
Conventionally, social credit of a user used for a financial product such as a credit card or loan is evaluated by digitizing age, work mode, annual income, and the like. However, there is a problem that applying the social credit of the user obtained in this way to the evaluation of the credit of the user using, for example, a car sharing service other than the financial product described above is not realistic. This is because the social credit of the user described above constitutes only a part of the evaluation required when using a general service such as the car sharing service. Therefore, it is desired to develop a technology that can appropriately calculate the credit rating of a user using a service using a structure including a communicable device, such as a vehicle for a car sharing service, and can appropriately evaluate the credit rating of the user.
The present invention has been made in view of the above circumstances, and an object thereof is to provide a credit evaluation device, a credit evaluation method, and a program that can more appropriately evaluate a credit of a user using a service provided in a structure in a service using the structure.
Means for solving the problems
In order to solve the above problems and achieve the above object, a credit evaluation device according to the present invention is a credit evaluation device for evaluating a credit of a user using a service provided in a communicable structure, the credit evaluation device including: an information acquisition unit that acquires structure information relating to the structure during and after use of the service by the user, and third person evaluation information including an evaluation of the structure performed by a third person other than the user after use of the service by the user; and a credit calculation unit that calculates the credit of the user based on at least one of the structure information and the third person evaluation information.
In the above invention, the credit evaluation device according to an aspect of the present invention may be configured such that the structure information includes: usage state information relating to the structure when the user uses the service; and structure state information indicating a state of the structure after the user uses the service. In this configuration, the structure state information may include at least one of information relating to a state outside the structure, information relating to a state inside the structure, and information relating to use that violates a usage rule of the service after the service is used by the user. Thus, by including information after the use of the service as the structure state information, it is possible to provide an incentive for the user of the service to act so as to easily shift to the user who uses the service next.
In the above-described invention, the credit evaluation device according to an aspect of the present invention may be configured such that the credit calculation unit calculates the credit using a predetermined function according to a type of the service for each of the information included in the structure information and the third person evaluation information. This makes it possible to calculate the credit rating of the user suitable for each service for each type of service, and thus, the credit rating of the user can be more appropriately performed.
In the above invention, the credit evaluation device according to an aspect of the present invention may be configured such that the structure is a mobile body. With this configuration, it is possible to appropriately evaluate the credit rating of the user for various services using a mobile body. In this configuration, the mobile object may be a vehicle, the structure information may include usage condition information about the vehicle when the user uses the service, and the usage condition information may include information about a driving behavior of the vehicle or information about an action of a driver of the vehicle when driving the vehicle. Thus, by including the item for performing safe driving as the use situation information, it is possible to provide an incentive for safe driving to the user using the vehicle. In this configuration, the service may be a car sharing service. This enables a plurality of users to use the same vehicle, and thus facilitates flexible use of the vehicle.
A credit evaluation method according to an aspect of the present invention is a credit evaluation method performed by a credit evaluation device for evaluating a credit of a user using a service provided in a communicable structure, the method including: an information acquisition step of acquiring structure information related to the structure during and after use of the service by the user and third person evaluation information including an evaluation of the structure performed by a third person other than the user after use of the service by the user, and storing the structure information and the third person evaluation information in a storage unit; and a credit calculation step of calculating the credit of the user based on at least one of the structure information and the third person evaluation information, and evaluating the user.
A program according to one aspect of the present invention is a program for evaluating credit of a user who uses a service provided in a communicable structure by a computer, the program being capable of executing, by the computer, an information acquisition function of acquiring structure information and third person evaluation information, the structure information relating to the structure during and after use of the service by the user, the third person evaluation information including an evaluation of the structure performed by a third person other than the user after use of the service by the user; and a credit calculation function of calculating the credit of the user based on at least one of the structure information and the third person evaluation information, and evaluating the user.
Effects of the invention
According to the credit evaluation device, the credit evaluation method, and the program of the present invention, the credit rating of the user using the service provided by the structure can be more appropriately evaluated by calculating the credit rating of the user using the service based on the state of the structure and the evaluation from the third person after the user using the service provided by the communicable structure uses the service.
Drawings
Fig. 1 is a schematic diagram showing an operation management system of a credit evaluation device to which an embodiment of the present invention can be applied.
Fig. 2 is a block diagram schematically showing a configuration of the vehicle operation management device shown in fig. 1.
Fig. 3 is a block diagram schematically showing a configuration of a credit evaluation device according to an embodiment of the present invention shown in fig. 1.
Fig. 4 is a block diagram schematically showing the configuration of the data server shown in fig. 1.
Fig. 5 is a block diagram schematically showing the configuration of an in-vehicle device mounted on the vehicle shown in fig. 1.
Fig. 6 is a block diagram schematically showing the configuration of the user terminal apparatus shown in fig. 1.
Fig. 7 is a schematic diagram for explaining a credit evaluation method according to an embodiment of the present invention.
Fig. 8 is a table showing an example of the rating score for each user performed by the credit rating apparatus according to the embodiment of the present invention.
Fig. 9 is a table showing an example of a weighting coefficient for each type of service performed by the credit evaluation device according to the embodiment of the present invention.
Detailed Description
Hereinafter, embodiments of the present invention will be described with reference to the drawings. In addition, in all the drawings of the following embodiments, the same or corresponding portions are denoted by the same reference numerals. The present invention is not limited to the embodiments described below.
(operation management System)
First, an operation management system to which a credit evaluation device according to an embodiment of the present invention can be applied will be described. Fig. 1 is a schematic diagram showing an operation management system 1 to which a credit evaluation device according to the present embodiment can be applied. As shown in fig. 1, the operation management system 1 according to one embodiment includes an operation management server 20, a credit evaluation server 30, a data server 40, a vehicle 50 including a communication unit 53 and a sensor group 56, and a user terminal device 70 that are capable of communicating with each other via a network 10.
The network 10 is constituted by an internet network, a cellular telephone network, or the like. The Network 10 may include, for example, a public communication Network such as the internet, that is, a WAN (Wide Area Network), a telephone communication Network such as a mobile phone, or another communication Network such as a wireless communication Network such as WiFi.
(operation management server)
The operation management server 20 as a vehicle operation management device manages the running of the vehicle 50. In the present embodiment, the operation management server 20 is supplied with various kinds of operation information and vehicle information from the respective vehicles 50 at predetermined timings. The operation information includes information related to the operation of the vehicle 50, such as position information, velocity information, and acceleration information, but is not necessarily limited to these information. The vehicle information includes information related to the condition of the vehicle 50, such as a battery charge amount (SOC), a remaining fuel amount, a current position, an in-vehicle state, and an exterior situation, but is not necessarily limited to these information.
Fig. 2 is a block diagram schematically showing the configuration of the operation management server 20. As shown in fig. 2, the operation management server 20 has a general computer configuration capable of communicating via the network 10. The operation management server 20 includes a communication unit 21, an operation management control unit 22, and a storage unit 23 in which an operation management database 23a is stored. The communication unit 21 is, for example, a Local Area Network (LAN) interface board or a wireless communication line for performing wireless communication. The LAN interface board and the wireless communication line are connected to a network 10 such as the internet as a public communication network. The communication unit 21 is connected to the network 10, and communicates with the credit evaluation server 30, the data server 40, the vehicle 50, and the user terminal device 70. The communication unit 21 receives vehicle identification information and driving condition information unique to the vehicle 50 or transmits an instruction signal to the vehicle 50 with each vehicle 50. The vehicle identification information includes information for enabling identification of each vehicle 50. The communication unit 21 transmits information to the user terminal device 70 owned by the user when the vehicle 50 is used with the user terminal device 70, or receives user identification information for identifying the user or various information from the user terminal device 70.
Specifically, the operation management control Unit 22 includes a Processor such as a CPU (Central Processing Unit), a DSP (Digital Signal Processor), an FPGA (Field Programmable gate array), and a main Memory Unit (not shown) such as a RAM (Random Access Memory) and a ROM (Read Only Memory). The storage unit 23 is configured by a storage medium selected from EPROM (Erasable Programmable ROM), Hard Disk Drive (HDD), removable medium, and the like. The removable medium is, for example, an optical Disc recording medium such as a USB (universal serial Bus) memory, a CD (Compact Disc), a DVD (digital versatile Disc), or a BD (Blu-ray Disc). The storage unit 23 can store an Operating System (OS), various programs, various tables, various databases, and the like. The operation management control unit 22 loads and executes the program stored in the auxiliary storage unit 23 to the work area of the main storage unit, and controls each component unit and the like by executing the program, thereby realizing a function suitable for a predetermined purpose.
The storage unit 23 includes an operation management database 23a for storing various data so as to be retrievable. The operation management database 23a is, for example, a Relational Database (RDB). The Database (DB) described below is constructed by managing data stored in the storage unit 23 by a program of a Database Management System (DBMS) executed by the processor. In the operation management database 23a, the user identification information, various information (hereinafter, also referred to as user selection information) required for the use of the vehicle 50, which is input or selected by the user, and the like are associated with each other and stored in a retrievable manner. Further, in the operation management database 23a, the vehicle identification information and the operation information and the like are associated with each other and stored in a retrievable manner.
The user identification information and the vehicle identification information are stored in the operation management database 23a in a retrievable state when they are assigned to the user and the vehicle 50, respectively. The user identification information includes various information for identifying each user from each other. The user identification information is, for example, a user ID or the like that can identify each user, and is registered in association with user-specific information such as a name and an address of the user, and location information such as a longitude and a latitude indicating a location of the user. That is, the user identification information includes information necessary for accessing the operation management server 20 when transmitting information associated with the user. For example, when the user terminal device 70 transmits predetermined information such as user selection information to the operation management server 20 together with the user identification information, the operation management server 20 stores the predetermined information in association with the user identification information in a state of being retrievable in the operation management database 23a of the storage unit 23. Also, the vehicle identification information includes various information for mutually identifying the respective vehicles 50. When the vehicle 50 transmits predetermined information such as position information and vehicle information to the operation management server 20 together with the vehicle identification information, the operation management server 20 stores the predetermined information in association with the vehicle identification information in a state retrievable in the operation management database 23 a.
(Credit evaluation Server)
The credit evaluation server 30 as a credit evaluation device performs a credit calculation process on a user using the vehicle 50 as a structure having a communication function, thereby performing a credit evaluation process. The credit evaluation server 30 is supplied with various information (hereinafter, credit evaluation information) necessary for evaluating the credit of the user from the operation management server 20 and the data server 40. Fig. 3 is a block diagram schematically showing the configuration of the credit evaluation server 30.
As shown in fig. 3, the credit evaluation server 30 has a general computer configuration capable of communicating via the network 10. The credit evaluation server 30 includes a communication unit 31, a credit information control unit 32 having a credit calculation unit 33, and a storage unit 34.
The communication unit 31 as an information acquisition unit is configured in the same manner as the communication unit 21 described above, is connected to the network 10, and performs communication with at least the operation management server 20 and the data server 40. The communication unit 31 may be configured to be able to communicate with the vehicle 50 and the user terminal device 70 as needed. The communication unit 31 transmits or receives at least a part of the user identification information, the user selection information, the vehicle information, and the operation information to or from the operation management server 20 and the data server 40.
The credit information control unit 32 and the storage unit 34 are physically similar to the operation management control unit 22 and the storage unit 23, respectively. The storage unit 34 stores a credit information database 34a and a credit information database 34 b. In the credit information database 34a, user identification information and various information including credit rating information of each user are associated with each other and stored in a retrievable manner. In the credit information database 34b, the user identification information and information (credit information) related to credit transactions such as credit cards and loans of the user are stored in a retrievable manner in association with each other. In addition, the credit information is also generally referred to as credit information. The credit information database 34b is not limited to the case where it is provided in the credit evaluation server 30. That is, the credit information database 34b may be provided in the data server 40 other than the credit evaluation server 30, or may be further provided in another server (not shown), and the data of the credit information stored in the other server may be accessed via the network 10 as necessary.
In the case where, for example, the user performs a credit transaction or the like, the credit information is updated by being stored in the credit information database 34b in a retrievable state. For example, after the user uses the service performed by the vehicle 50, the credit evaluation information is supplied from the operation management server 20 and the data server 40 to the credit evaluation server 30, and is stored in the credit information database 34a and updated.
The credit rating information on the user who uses the service provided in the vehicle 50 as a communicable structure includes structure information and third person rating information. The structure information includes use state information about the vehicle 50 during the use of the service by the user, and structure state information indicating the state of the vehicle 50 after the use of the service by the user. The third person evaluation information includes information on evaluation performed by a third person other than the user who uses the service by the user.
The usage situation information includes information related to the driving behavior of the vehicle 50 or information related to the action when driven by the user who is the driver of the vehicle 50. In the present embodiment, the usage situation information specifically includes information on the driving behavior of the vehicle 50, information on the behavior when the vehicle is driven by the user, such as the presence or absence or frequency of distracted driving, the presence or absence or frequency of driving while operating the portable terminal device (hereinafter, referred to as terminal operation), and the presence or absence or degree of driving in a road rage. The usage information is not limited to these information.
The structure state information includes information related to the state of the vehicle 50 after the user utilizes the service of the vehicle 50. The information related to the state of the vehicle 50 specifically includes information related to the state of the inside of the vehicle (hereinafter, referred to as inside information) such as the state of scattering of garbage or the arrangement state of tools or cargos, and information related to the state of the outside of the vehicle 50 (hereinafter, referred to as outside information) after the user uses the service of the vehicle 50. The information on the state of the vehicle 50 includes information on the remaining amount of fuel (hereinafter, referred to as "remaining fuel amount information"), information on a return position when the user returns the vehicle 50 (hereinafter, referred to as "return position information"), information on whether the user has delayed the delivery reservation time for the vehicle 50, a delay time, whether the user has delayed contact, and the like (hereinafter, referred to as "delay-related information"). The structural object information related to the state of the vehicle 50 is not limited to these pieces of information. That is, even when the user and another user directly make a delivery or the like of the vehicle 50, and the user leaks personal information or the like of another user, information that the user has a usage violating the usage rule of the service can be added to the structure state information.
The third person evaluation information includes information of evaluation of the state of the vehicle 50 by another user who uses the service of the vehicle 50 after the user uses the service of the vehicle 50. The other user, which is the third person, indirectly performs the evaluation of the user who rented the vehicle 50 one before by evaluating the state of the vehicle 50 after the return. Further, another user who is a third person may directly perform evaluation on the user who rented the vehicle 50 immediately before. The state of the vehicle 50 refers to, for example, an odor in the cabin of the vehicle 50, but is not limited to the odor. Here, in addition to other users, a manager who manages the vehicle 50, a worker who cleans the vehicle 50, and the like can evaluate the state of the vehicle 50 after being returned. That is, information to be evaluated by these managers, staff members, or the like may be third person evaluation information.
(data Server)
The data server 40 executes data collection processing for collecting various information output from the vehicle 50 as a structure having a communication function. Fig. 4 is a block diagram schematically showing the configuration of the data server 40. As shown in fig. 4, the data server 40 has a configuration capable of communicating via the network 10. The data server 40 includes a communication unit 41, a data control unit 42, a data acquisition unit 43, and a storage unit 44. The communication unit 41 is physically the same as the communication units 21 and 31 described above. The communication unit 41 is connected to the network 10, and performs communication at least between the operation management server 20, the credit evaluation server 30, and the vehicle 50. The communication unit 41 may communicate with the user terminal device 70.
The communication unit 41 receives or transmits at least a part of the user identification information, the user selection information, the vehicle identification information, the vehicle information, the operation information, and the credit evaluation information described above with the operation management server 20 and the credit evaluation server 30. The communication unit 41 collects operation information such as position information, speed information, acceleration information, and operation plan information from the vehicle 50 in accordance with the command signal from the data collection unit 43. The communication unit 41 further collects information such as information on driving behavior in the vehicle 50, presence or absence or frequency of distracted driving performed by a user who drives the vehicle 50, presence or absence or frequency of terminal operation, presence or absence or degree of road rage driving, and the like. The information transmitted or received by the communication unit 41 is not limited to these information. In the case of collecting information from a structure having a communication function other than the vehicle 50, the type or item of the collected information can be arbitrarily determined according to the type of the structure.
The data control unit 42 and the storage unit 44 are physically similar to the operation management control unit 22 and the storage unit 24, respectively. The storage unit 44 stores various information collected from the operation management server 20, the credit evaluation server 30, and the vehicle 50 via the network 10 in the past as a database 44a composed of, for example, big data or the like. In addition, various information may be collected from each user terminal device 70.
(vehicle)
The vehicle 50 as a moving body is a vehicle that travels by driving of a driver or an automatic traveling vehicle configured to be capable of automatically traveling in accordance with an operation command given thereto. Fig. 5 is a block diagram schematically showing the configuration of the vehicle 50. As shown in fig. 5, the vehicle 50 includes a drive unit 51, an electronic control unit 52, a communication unit 53, a storage unit 54, an input/output unit 55, a sensor group 56, and a GPS unit 57.
The drive unit 51 is a conventionally known drive unit required for traveling of the vehicle 50. Specifically, the vehicle 50 includes an engine as a driving source, and the engine is configured to be able to generate electric power by a motor or the like by being driven by combustion of fuel. The generated electric power is charged in a rechargeable battery. The vehicle 50 includes a drive transmission mechanism that transmits the driving force of the engine, a drive wheel for running, and the like.
The electronic control unit 52 and the storage unit 54 are physically similar to the operation management control unit 22 and the storage unit 24, respectively. The electronic control unit 52 integrally controls operations of various components mounted on the vehicle 50. The Communication unit 53 is configured to communicate at least with the operation management server 20 by wireless Communication via the network 10, and is configured to include, for example, a Data Communication Module (DCM). The storage unit 54 includes a vehicle information database 54a and an operation information database 54 b. The vehicle information database 54a stores various information including the amount of charge of the battery, the remaining amount of fuel, the current position, and the like so as to be updatable. In the operation information database 54b, various data including the operation information supplied from the operation management server 20 are stored in an updatable manner.
The input/output unit 55 is constituted by a touch panel display, a speaker microphone, and the like. The input/output unit 55 as the output means is configured to display characters, graphics, or the like on the screen of the touch panel display or output voice from a speaker microphone in accordance with the control performed by the electronic control unit 52, thereby being capable of notifying predetermined information to the outside. The input/output unit 55 as input means is configured to input predetermined information to the electronic control unit 52 by a user or the like operating the touch panel display or by emitting a voice to a speaker microphone.
The sensor group 56 includes sensors related to the travel of the vehicle 50, such as a vehicle speed sensor and an acceleration sensor, in-vehicle sensors capable of detecting various conditions in the vehicle interior, and an imaging device such as a camera. The GPS unit 57 receives radio waves from GPS (Global Positioning System) satellites (not shown) to detect the position of the vehicle 50. The detected position is stored in the vehicle information database 54a as position information in the vehicle information in a retrievable manner. As a method of detecting the position of the vehicle 50, a method of combining Light Detection and Ranging (Light Detection and Ranging) and Laser Imaging Detection and Ranging (Laser Imaging Detection and Ranging)) with a three-dimensional digital map may be employed.
(user terminal device)
The user terminal device 70 as a utilization terminal is operated by a user. The user terminal device 70 transmits various information such as user information including user identification information and user selection information to the operation management server 20 by various data generated by the communication application or a call using a voice, for example. The user terminal device 70 is configured to be able to receive various information such as operation schedule information, a vehicle allocation approval signal, and data of an electronic key from the operation management server 20. Fig. 6 is a block diagram schematically showing the configuration of the user terminal device 70 shown in fig. 1.
As shown in fig. 6, the user terminal device 70 includes an electronic control unit 71, an input unit 72, a display unit 73, a communication unit 74, and a storage unit 75, which are connected so as to be able to communicate with each other. The electronic control unit 71, the communication unit 74, and the storage unit 75 are physically similar to the operation management control unit 22, the communication unit 21, and the storage unit 24, respectively. The electronic control unit 71 executes various application programs to collectively control the operations of the input unit 72, the display unit 73, the communication unit 74, and the storage unit 75. The communication unit 74 receives and transmits various information such as user identification information, user selection information, operation schedule information, and voice data with an external server such as the operation management server 20 via the network 10. The storage unit 75 is configured to be capable of storing user identification information.
The input unit 72 is configured by, for example, a keyboard, a touch-sensitive keyboard that is incorporated in the display unit 73 and detects a touch operation on a display panel, or a voice input device that can communicate with the outside. Here, the communication with the outside includes not only communication with other user terminal devices 70 but also communication with an operator or an artificial intelligence system resident at the operation management server 20, for example. The display unit 73 is configured by, for example, an organic EL (Electroluminescence) panel, a liquid crystal display panel, or the like, and can display characters, graphics, or the like on the display panel to notify information to the outside. The input unit 72 and the display unit 73 may be configured in the same manner as the input/output unit 55 described above.
The user terminal device 70 can be specifically a mobile phone such as a smartphone, an information terminal such as a tablet, a personal computer, or the like. Further, a desktop personal computer installed at home or the like, a fixed-line telephone installed at home or the like, or the like can be used.
(Credit evaluation method)
Next, a credit evaluation method executed by the credit evaluation server 30 of the operation management system 1 will be described. Fig. 7 is a schematic diagram for explaining a credit evaluation method according to an embodiment of the present invention. The credit evaluation method according to the present embodiment will be described by taking, as an example, a case where a car sharing service is used as a service. In this example, a case will be described where the user U2 of a third person different from the user U1 rents the vehicle 50 after the user U1 rents the vehicle 50 and returns it. In the following description, transmission or reception of information is performed via the network 10, but description thereof is omitted for each time.
As shown in fig. 7, the user U1 having the user terminal device 70a rents a predetermined vehicle 50 by the car sharing service. At this time, the user terminal device 70a associates the user identification information of the user U1 with the vehicle identification information of the vehicle 50, and transmits the information to, for example, the operation management server 20. The operation management server 20 is, for example, a server of a provider of the automobile sharing service. Here, when the user U1 delays the delivery timing of the vehicle 50 or does not send a delayed contact to the operation management server, information indicating that there is a usage violating the usage rule of the service is added to the delay-related information.
While the user U1 is using the service of the rented vehicle 50, the communication unit 53 of the vehicle 50 periodically transmits the vehicle identification information and various information to the data server 40. In the present embodiment, the various information is, for example, information related to the traveling of the vehicle 50 and the driving of the user, and specifically, usage condition information such as the driving behavior, the presence or absence and frequency of the distracted driving, the presence or absence and frequency of the terminal operation, and the presence or absence and degree of the road rage driving of the vehicle 50. The communication unit 53 may supply the vehicle information of the vehicle 50 to the data server 40. The data server 40 associates various information supplied from the vehicle 50 with the vehicle identification information, and stores in the database 44a of the storage section 44. The data server 40 associates the usage information with the user identification information of the user U1 and supplies the usage information to the credit evaluation server 30.
When the user U1 ends the use of the service of the vehicle 50, the user U1 moves the vehicle 50 to a predetermined return position and returns it according to a predetermined use rule of the car sharing service. When the user U1 returns the vehicle 50 at a place other than the predetermined return position, information indicating that there is a usage violating the usage rule of the service is added to the return position information. When the return time of the user U1 returning the vehicle 50 is delayed from the predetermined return time, information indicating that there is a usage violating the usage rule of the service is added to the delay-related information. If the usage rule of the service includes a rule that fuel is about the same as that at the time of rental of the vehicle 50, if the remaining fuel amount is equal to or less than a predetermined ratio with respect to the remaining fuel amount at the time of rental, information indicating that there is a usage violating the usage rule of the service is added to the remaining fuel amount information.
After the return of the vehicle 50, the communication unit 53 transmits various information such as the interior information, the exterior information, the remaining fuel amount information, the return position information, and the delay related information, which are measured or captured by the sensor group 56 at the time of return, to the operation management server 20 as the structure state information.
Thereafter, the vehicle 50 is delivered to the user U2 by a predetermined method. The user U2 delivered with the vehicle 50 evaluates the state of the vehicle 50 at an appropriate timing by using a service application of the car sharing service in the user terminal device 70 b. Thus, the evaluation of the user U1 who used the vehicle 50 the previous time is performed. The user terminal device 70b transmits the inputted information on the evaluation of the user U1 to the operation management server 20 as third person evaluation information. The operation management server 20 associates the structure state information and the third person evaluation information supplied from the vehicle 50 and the user terminal device 70b with the user identification information of the user U1, and transmits them to the credit evaluation server 30. Further, the structure state information and the third person evaluation information may be associated with the vehicle identification information and transmitted to the credit evaluation server 30. The third person who performs evaluation may be, in addition to the user U2 to be used next, a manager who manages the vehicle 50, a tester who performs examination of the vehicle 50, a worker who performs cleaning or washing of the vehicle 50, or the like.
The credit evaluation server 30 calculates the credit rating of the user who uses the service of the vehicle 50 based on the supplied usage state information, the structure state information, and the third person evaluation information, and evaluates the credit of the user. Hereinafter, a specific example of the method for evaluating the credit will be described. Fig. 8 is a table showing an example of evaluation scores for each user based on the above-described usage information, structure state information, and third person evaluation information. The data of the table shown in fig. 8 is stored in the storage unit 34 of the credit evaluation server 30.
When the slave countsWhen the credit information of the credit transaction related to the user U1 is transmitted to the credit evaluation server 30 from the server 40 or a server (not shown) of various financial institutions, the credit information related to the user U1 in the credit information database 34b is updated by the credit information control unit 32. Credit score x of credit information0To a credit rating based on credit information related to a credit transaction known in the art, such as a credit card. In the example shown in fig. 8, a credit score x of a user U1 whose user identification information is UID1 is shown0In the case of "80". The highest point and the lowest point in each evaluation score can be set arbitrarily.
When the usage information on the user U1 is transmitted from the data server 40 to the credit evaluation server 30, the credit information control unit 32 updates the usage information on the user U1 in the credit information database 34 a. Specifically, when, for example, driving behavior information is input to the credit evaluation server 30 as one of the use situation information, the driving behavior score x in the credit information database 34a1Is updated. Driving behavior score x1The score is based on the driving behavior of the vehicle 50 such as the acceleration/deceleration and the number of lane changes.
Similarly, the driving distraction score x based on the driving distraction information is calculated based on the updated use situation information on the user U1 of the user identification information UID12Terminal operation score x based on operation information of terminal device3Road rage driving score x based on road rage driving information4And (6) updating. As a distraction score x2The frequency or number of times of the east seive during driving, for example, can be used. As a terminal operation score x3For example, the total operation time of the terminal operation during the travel of the vehicle 50, the number of times of movement of the terminal device of the user U1 by the visual line, or the like can be employed. As a road rage driving score x4The score calculated from the degree of increase or decrease in the distance from another vehicle traveling ahead, which is measured by the sensor group 56, and the magnitude of the acceleration or deceleration of the vehicle 50, and the like can be used.
When the structure state information and the third person evaluation information are transmitted from the operation management server 20 to the credit evaluation server 30, the credit control unit 32 updates the structure state information and the third person evaluation information related to the user U1 in the credit information database 34 a. Specifically, when, for example, in-vehicle information and out-vehicle information (hereinafter, in-vehicle/outside-vehicle information) are input to the credit evaluation server 30 as one of the structural object state information, the in-vehicle/outside-vehicle score x in the credit information database 34a is given5And (6) updating. As in-car score x5For example, a score calculated from the amount of newly scattered garbage, the area of newly attached dirt on the exterior, and the like based on the state of the interior and exterior of the vehicle, which is detected by the sensor group 56 of the vehicle 50 before and after the user U1 gets on the vehicle 50, can be used. Further, the processing may be performed for each of the input of the interior information and the input of the exterior information.
Similarly, the fuel residual score x based on the fuel residual information is calculated based on the updated structure state information about the user U1 of the user identification information UID16Returning position score x based on returning position information7Delay correlation score x based on delay correlation information8And (6) updating. Then, the third person rating score x is given based on the updated third person rating information on the user U1 of the user identification information UID19And (6) updating. As fuel remaining score x6For example, the remaining amount ratio of the fuel of the vehicle 50 or the like can be adopted. As a return location score x7For example, the distance between the actual return position where the user returns the vehicle 50 and the return position based on the usage rule of the service, or the like can be employed. As a delayed association score x8For example, at least one piece of information selected from a delay time at a predetermined time when the user returns the vehicle 50 and a value for classifying the presence or absence of contact related to the delay can be used. As third person rating score x9The evaluation score of the third person evaluating the user U1 can be used. In this case, the composition may further includeEvaluation score x of the third person by using various evaluation scores of the third person who performs evaluation9And (6) performing calculation. The evaluation score is not limited to the evaluation score x described above0～x9Other various evaluation scores may be used as necessary.
In the credit evaluation server 30, the credit calculation unit 33 calculates the evaluation score x based on the above-mentioned evaluation score0～x9Various evaluation scores x as representativei(i is 0, …, N; N is a positive integer), and an operation is performed based on an evaluation function that is a predetermined function set for each type of service. That is, when the service provided by the vehicle 50 is the vehicle sharing service as in the present embodiment, the credit calculation unit 33 is based on the evaluation function f in the vehicle sharing service1Then, the following formula (1) is calculated to calculate the credit of the user.
User's credit ═ f1(x0，x1，…，xN)…(1)
When the service provided by the vehicle 50 is a service other than the car sharing service, for example, a car pool service, a car rental service, a stay-type vehicle rental service, an automatic-traveling vehicle rental service, or the like, the evaluation function f is set in advance for each type of the servicej(j is a natural number). The credit calculation unit 33 scores x for various evaluations0～xnAccording to an evaluation function f defined in correspondence with the type of servicejThe following formula (2) is performed to calculate the credit of the user.
User's credit ═ fj(x0，x1，…，xN)…(2)
Next, a specific example of the evaluation function for calculating the credit rating of the user will be described. The following expression (3) represents, for example, an evaluation function f represented by expression (1) based on the automobile sharing service1An example of (a). FIG. 9 shows an evaluation score x for the following expression (3)0～x9For each class of service ofAn exemplary table of (1). The data of the table shown in fig. 9 is stored in the storage unit 34 of the credit evaluation server 30.
User's credit ═ f1(x0，x1，…，xi，…x9)＝Σi＝0～9Ai·xi…(3)
In addition, sigmai＝0～9Are Ai and xiThe sum of i-0 to i-9 in (a).
In the car sharing service of the present embodiment, the evaluation function f is used1When the formula (3) is used, the weighting coefficients a1 to a9 can be applied to the important evaluation score xiAnd the evaluation score x is set to a higher value and to a lower importanceiBut to a lower value, etc.
In the car sharing service, the evaluation function f is set by the formula (3) in which the above weighting coefficient is set1And the credit rating of the user U1 can be calculated. That is, the credit calculation unit 33 calculates the evaluation score x for each evaluation score shown in fig. 80～x9The calculation of the credit rating for the user U1 who uses the service of the vehicle 50 is performed based on the expression (3) using the weighting coefficient shown in fig. 9. Thus, the credit evaluation server 30 evaluates the credit of the user U1 who uses the car sharing service.
In addition, when a case other than the car sharing service, for example, a car pool service is taken as an example, the function f is evaluatedjWhen equation (3) is set, for example, the weighting coefficients of the inside/outside vehicle score, the remaining fuel amount score, and the return position score can all be set to 0. Thus, since the weighting coefficient suitable for the car pool service can be set in equation (3), the evaluation function f suitable for the car pool service can be setj. In addition, with respect to other services, by setting the weighting coefficients in the same manner, a more appropriate evaluation function f can be setj. Therefore, the evaluation of the user U1 can be performed more appropriately according to the type of service.
The credit of the user U1 calculated as above is associated with the user identification information UID1, and is stored in the credit information database 34a in the credit evaluation server 30. The credit rating of the user U1 stored in the credit rating information database 34a of the credit rating server 30 may be read out in response to a request signal from a terminal, a server, or the like of various business entities. Thus, the credit degree of the user U1 required by each business entity can be used for checking the reduction of the insurance fee such as car insurance, the judgment of the availability of the loan contract, the reduction of the purchase amount of the vehicle, the reduction of the rental fee, the reduction of the share fee, the reduction of the rental fee, and the like. Further, depending on the credit rating of the predetermined user U1, various business entities can also provide additional services such as the type, limitation, and release of services available to the user U1, the estimation of the usage cost of the services, and the provision of coupons related to the services.
(recording Medium)
In the above-described embodiment, a program capable of implementing the credit evaluation method can be recorded on a computer-readable recording medium such as a computer or other machine or device (hereinafter, also referred to as a computer). By causing a computer or the like to read and execute the program of the recording medium, the computer functions as the credit evaluation server 30. Here, the computer-readable recording medium refers to a non-transitory recording medium that stores information such as data and programs by an electronic, magnetic, optical, mechanical, or chemical action and can be read from a computer or the like. Examples of such a recording medium that can be detached from a computer include a floppy disk, an optical disk, a CD-ROM, a CD-R/W, a DVD, a BD, a DAT, a magnetic tape, and a memory card such as a flash memory. Further, as a recording medium fixed to a computer or the like, there are a hard disk, a ROM, and the like. Further, the SSD can be used as a recording medium detachable from a computer or the like, and can also be used as a recording medium fixed to a computer or the like.
According to the above-described embodiment of the present invention, the credit rating of the user who uses the service can be more appropriately evaluated in the service using the vehicle 50 by calculating the credit rating from the evaluation score of the user who uses the service based on the information including the remaining fuel amount information, the return position information, and the delay related information after the use of the service and the third person evaluation information after the use of the service.
Although one embodiment of the present invention has been described above specifically, the present invention is not limited to the above-described one embodiment, and various modifications based on the technical idea of the present invention can be implemented. For example, the numerical values and the types of information listed in the above embodiment are merely examples, and numerical values and types of information different from these may be used as necessary.
In the above-described embodiment, the operation management server 20, the credit evaluation server 30, and the data server 40 are not separate servers, but these servers may be configured by a single server. Further, two of the servers may be configured by a single server, and may be configured separately from the other server.
Although the above-described embodiment has been described by taking as an example the case where the vehicle 50 is used as a structure having a communication function, the present invention is not necessarily limited to the vehicle 50, and various structures such as an electric appliance and a room in a residence may be used as a structure having a communication function. In the case of using these structures, information on evaluation items based on indices suitable for each structure can be used as credit evaluation information on the structure.
Although the above-described embodiment has been described taking the car sharing service as an example of the service, various services can be adopted as long as the service uses a mobile object as a structure. Specifically, as shown in fig. 9, services such as a car pool service, a car rental service, an unmanned aerial vehicle rental service, a stay-type vehicle rental service, and an automatic traveling vehicle rental service can be employed. The present invention can be applied to a bicycle sharing service or an airplane rental service, and can be further applied to a real estate utilization service such as a hotel.
Description of the symbols
1 running a management system;
10 a network;
20 running a management server;
30 credit evaluation server;
31 a communication unit;
32 credit information control part;
33 a credit calculation unit;
34a storage part;
34a database of credit information;
34b a credit information database;
40 a data server;
50 vehicles;
70. 70a, 70b user terminal devices.
Claims (9)
1. A credit evaluation device for evaluating a credit of a user using a service provided in a communicable structure, the credit evaluation device comprising:
an information acquisition unit that acquires structure information relating to the structure during and after use of the service by the user, and third person evaluation information including an evaluation of the structure performed by a third person other than the user after use of the service by the user;
and a credit calculation unit that calculates the credit of the user based on at least one of the structure information and the third person evaluation information.
2. The credit evaluation apparatus of claim 1,
the structure information includes: usage state information relating to the structure when the user uses the service; and structure state information indicating a state of the structure after the user uses the service.
3. The credit evaluation apparatus of claim 2,
the structure state information includes at least one of information on a state of an outside of the structure after the user uses the service, information on a state of an inside of the structure, and information on a use that violates a usage rule of the service.
4. The credit evaluation device of any of claims 1 to 3,
the credit calculation unit calculates the credit by using a predetermined function according to the type of the service for each of the information included in the structure information and the third person evaluation information.
5. The credit evaluation device of any of claims 1 to 4,
the structure is a moving body.
6. The credit evaluation apparatus of claim 5,
the moving body is a vehicle, and the moving body is a vehicle,
the structure information includes utilization condition information about the vehicle when the user utilizes the service,
the usage condition information includes information related to a driving behavior of the vehicle or information related to an action when driven by a driver of the vehicle.
7. The credit evaluation apparatus of claim 5 or 6,
the service is an automobile sharing service.
8. A credit evaluation method implemented by a credit evaluation device for evaluating a credit of a user using a service provided in a communicable structure, comprising:
an information acquisition step of acquiring structure information related to the structure during and after use of the service by the user and third person evaluation information including an evaluation of the structure performed by a third person other than the user after use of the service by the user, and storing the structure information and the third person evaluation information in a storage unit;
and a credit calculation step of calculating the credit of the user based on at least one of the structure information and the third person evaluation information, and evaluating the user.
9. A computer-readable recording medium having recorded thereon a program for evaluating credit of a user using a service provided in a communicable structure by a computer,
the program is capable of being executed by a computer as a function of,
an information acquisition function that acquires structure information relating to the structure during and after use of the service by the user, and third person evaluation information including an evaluation of the structure performed by a third person other than the user after use of the service by the user;
and a credit calculation function of calculating the credit of the user based on at least one of the structure information and the third person evaluation information, and evaluating the user.
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| JP2018192081A JP2020060975A (en) | 2018-10-10 | 2018-10-10 | Credit evaluation device, credit evaluation method, and program |
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| JP7476843B2 (en) * | 2021-04-15 | 2024-05-01 | トヨタ自動車株式会社 | Information processing device, method, and program |
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| US20200118185A1 (en) | 2020-04-16 |
| JP2020060975A (en) | 2020-04-16 |
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